This pays for the additional costs of repairing or rebuilding a damaged home to meet current building codes, which standard policies usually do not cover.

The answer is that yes it can be insured, with ACV coverage which stands for Actual Cash Value. Beginning in 2025, insurance companies stopped offering RCV (Replacement Cost Value) coverage on roofs 10 years old and older.

Both shingles are impact resistant. They both typically warrant an insurance premium discount. So what is the difference between the two shingles?

Pick whom you like, but pick local. No Omaha or Lincoln roofer is coming back under warranty for a leak. No, your roofer doesn't need to meet the adjuster.

Class 3 shingles are Impact Resistant and are eligible for an insurance discount with most companies. They are less expensive than Class 4, but provide superior hail protection than typical shingles.